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Loan Center


Small Business Center

We understand the unique challenges that face today's small business owner, and we are in a position to help your business succeed.

    • Minimum balance of $250.00 to open the account
    • $10.00 will be charged each statement cycle when the balance, on any day of the cycle, drops below $250.00
    • End of Month statement cycle
    • Non-interest bearing account
  • With this program, your business can take advantage of several unique features, including free checking with a minimum balance requirement of $2,500. If the balance falls below the minimum at any time during the month, a flat fee of $25 will apply. Other features include unlimited check-writing, month-end statements, a free debit card and free Internet banking. A "business review" will also be provided by bank personnel that will offer suggestions as to how you could manage your cash more effectively and also a review of existing company debt to determine if refinancing may result in lower rates of interest. This program also includes the availability of small-business and commercial lending services to qualified customers at competitive rates of interest.
  • This account gives you unlimited check-writing privileges and no service fee when you maintain the minimum daily balance of $2,500. You must deposit $250 to open this account. If the balance falls below $2,500 on any day of the statement cycle, a service fee of $25 will be imposed. This account is great for partnerships, corporations, and other businesses.
  • If you do not anticipate writing a lot of checks each month, this account is designed for you. This tiered account earns a competitive rate of interest daily on your collected balance that is compounded and credited to your account each statement cycle. A minimum balance of $2,500 is required to open this account. If the balance falls below $250 on any day of the statement cycle, the account maintenance fee is $10.
    Transaction limitations: Transfers from a Insured Money Market Gold account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order to third parties are limited to six per month.
    Fees: A money market charge fee of $7.50 will be charged each cycle if more than six items clear during each monthly statement cycle.
  • Want to earn a higher rate of interest on your checking account? The minimum opening deposit is $50,000. Interest is earned on balances of $50,000 or greater. If the balance falls below $50,000, you will not earn interest. There is no service fee on this account, and it offers unlimited check-writing privileges. Visit any one of our offices for more information.
Other Services
  • Get all the same services as First On-Line with these additional services:

    Secure forms for
    • Wire request,
    • Stop payment request, or
    • Contact FFCB.

    And with ACH Origination, your business can
    • Offer payroll direct deposit for employees,
    • Transfer funds between your business accounts,
    • Pay vendors,
    • Debit consumer and business accounts, and
    • Execute recurring payments.

    Print and complete the First On-Line Enrollment Form, and turn it in to our nearest office. ACH Origination requires separate application and approval. For under-50 transactions monthly, there will be a $50 one-time setup and $25 monthly fee. For 50-and-over transactions monthly, there will be a $100 one-time setup and $50 monthly fee.
  • Teller at a Touch provides 24-hour customer service at your fingertips! You can now access your account information any time of the day or night. All of your account information is only a phone call away with our automated account-information service.

    Using a touch-tone phone, call 866-867-7500. Once connected, you'll be guided through the steps required to obtain all of your account info. You can get accurate balance info on all of your accounts or transfer funds in seconds. It also allows you to find out which checks have cleared, verify when deposits were made, get interest information, and much more. No sign-up is necessary.

    To get info on any of your accounts, you need the 10-digit account number for which you are requesting info. If you have any questions regarding your account numbers, please contact us. To guarantee that no one can obtain your personal account info, you will be asked to enter your pass-code—the last four digits of the Social Security number of the primary account holder.
  • For a checkbook that fits your lifestyle, as well as your wallet, apply for an FFCB Debit Card. It gives you a faster, more convenient way to buy the products and services you need. This card can be used anywhere MASTERCARD is accepted, as well as at the ATM. This card has no annual fee and no usage fee if used at an FFCB ATM; we'll charge $2.00 for use at a foreign ATM. Other usage fees may apply. Debit cards are limited to $500/day for a cash withdrawal transaction and $1,000/day on a point-of-sale purchase. Debit cards are subject to approval.
  • For those busy customers who are unable to make it to the bank during normal business hours, we have a night depository for your convenience. Currently, the locations equipped with such are the Main Office and the East and New Washington branches.
  • These days, it's vital for many businesses to have the ability to accept credit and debit card purchases. We offer a card-services program that allows for businesses to do so. Not only does our card-service program help you meet your needs, it is very affordable. This program will allow for your business to process MasterCard, VISA, Discover and American Express for your convenience. Please contact a customer service representative for more information.

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MAIN OFFICE: 119 S. Sandusky Ave., P.O. Box 749, Bucyrus, Ohio 44820   Phone: 419-562-7055   Fax: 419-562-5516   800-222-4955
MARYSVILLE: 251 Coleman's Crossing Blvd., P.O. Box 727, Marysville, Ohio 43040   Phone: 937-642-3421   Fax: 937-642-3859
NEOLC: 14779 Pearl Road, Strongsville, Ohio 44136   Phone: 440-580-4115